1045 Stonecastle Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1045 Stonecastle Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 6,543 sqft · built 2017
Lot Size	3.18 acres (138,521 sqft)
Owner	Company Name on File
Last Sale	$165,000 (Aug 2017)
Tax Bill	$17,894 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2021 Line of Credit + 7 more
Flood Zone	Zone AE (high risk)
APN	`T070300649`

Property Details

APN / Parcel Number

Primary APN	`T070300649`
Alternative APN	`2-0043-A135-00-0026.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	6,543 sqft Living Area
Gross Area	8,537 sqft
1st Floor Area	3,635 sqft
Basement Area	3,635 sqft
Finished Basement	2,908 sqft
Unfinished Basement	727 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	138,521 sqft (3.18 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,267 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Account Number	T070300649
Street Address	1045 STONECASTLE DR
City	O FALLON
State	MO
Zip	63366-4766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONECASTLE LOT 26
Legal Subdivision	STONECASTLE
Legal Lot Number	26
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2000
Census Tract	312095

Owner

1045 Stonecastle Dr is owned by a company that bought it in August 2017.

Source: St. Charles County records, as of April 15, 2026

Owner of Record	Company Name on File
Mailing Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
May 26, 2021	Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
Sep 6, 2018	Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK
Jun 11, 2018	Deed of Trust, Mortgage · ARM GREAT SOUTHERN BANK
Dec 4, 2018	Deed of Trust, Mortgage · Line of Credit VIP BANKING
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
Aug 10, 2017	Warranty Deed, Transfer PREFERRED LAND TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2017 · Amount on File
Deed Sale	Aug 10, 2017 · Amount on File
Prior Sale	Sep 19, 2006 · Amount on File
Deed Document Number	2017501970
Deed Book / Page	6789 / 1657
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2026
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Document Number	0000015551
Instrument Date	Apr 2, 2026
Instrument	202615551
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FOUNDERS TITLE/NV, FOUNDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	25292 SPARTINA DR, VENICE, FL 34293-2764

Mortgage

Document Number	0000015551,
Date	Apr 3, 2026
Instrument	202615551

Lender

Name	GREAT SOUTHERN BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 STONECASTLE DR, SAINT PAUL, MO 63366-4766

Mortgage

Document Number	2021R045519
Date	May 26, 2021
Instrument	2021R-045519

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65802

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 STONECASTLE DR 1, 1, O FALLON, MO 63366-4766

Mortgage

Document Number	2021R045370
Date	May 26, 2021
Instrument	2021R-045370

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069731704
Date	Sep 6, 2018
Book Page	6973/1704
Instrument	20180906000512930

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069320350
Date	Jun 11, 2018
Book Page	6932/0350
Instrument	20180611000324170

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.99%
Index	1-Year LIBOR
Max Rate	8.99%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 STONECASTLE DR, SAINT PAUL, MO 63366-4766

Mortgage

Document Number	0070092381
Date	Dec 4, 2018
Book Page	7009/2381
Instrument	20181204000676420

Lender

Name	VIP BANKING
Type	Non-Lending Institution
Address	SPRINGFIELD, MO 65804

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071962086
Date	Dec 10, 2019
Book Page	7196/2086
Instrument	20191210000710270

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65802

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071911123
Date	Dec 3, 2019
Book Page	7191/1123
Instrument	20191203000689390

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.19%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.19%
Index	1-Year LIBOR
Max Rate	8.19%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 10, 2017
Property Address	1045 STONECASTLE DR, O FALLON, MO 63366-4766
Document Number	0067891657
Book / Page	006789 / 001657
Instrument Date	Aug 10, 2017
Instrument	501970
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	PREFERRED LAND TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	113 JEROME HENRY DR ST PAUL MO 633661092, ST PAUL, MO 63366-1092

Tax Assessment & Valuation

The 2025 property tax bill for 1045 Stonecastle Dr was $17,894, up 7.9% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,894.00 (+7.88%)	$293,499	$1,544,734 Land $190,800 Building $1,353,934
2024	$16,587.00
2023		$264,511
2022			$1,392,162 Land $190,800 Building $1,201,362

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1045 Stonecastle Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1045 Stonecastle Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Wisper ISP.

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